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Do variable cash ISAs mature?
I've always had fixed term cash ISAs until recently, but now I have a defined access cash ISA that I opened about a year ago with Virgin Money (it's one of those accounts with sort code starting with 8) I know this is a variable rate. And I've set up the ISA to accrue interest monthly. So I am confused - does this account…
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New Tembo Cash ISA?
Anyone else receive a email from Tembo, inviting them to join a waiting list for the lauch of a new Cash ISA? No mention of interest rate, but, email states, Want faster access to your cash, or to save more than £4,000 tax-free each year? Maybe you need to save towards a holiday rather than your home or retirement. We've…
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New tax year - New cash ISA advice!
Hi All, Last year I opened my first cash ISA for myself. Over the course of the year I’ve managed to save £15500 which I never thought I could (big self high five)! However as we come to end of the tax year I want to know what the best advice for continuing to save would be. Do I fill my current cash ISA to £20000? Does…
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Nationwide APS
Ive inherited a Nationwide isa from my husband. - Thought I understood the rules until I read their warning paragraph "You can only pay into one cash ISA in each tax year. If you’ve already opened a cash ISA in the current tax year with another ISA provider, you’ll need to transfer the ISA to Nationwide before you can use…
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Partial transfer of cash isa to S&S isa
Hi, is it possible for me to transfer a portion of a Trading212 cash isa into my S&S isa portfolio? This is held with Interactive Investor, and is currently spread across 3 Vanguard Lifestrategy funds - 40, 60 and 80%. I feel I should know this, but I am mostly a ‘set and forget’ type of investor at the moment - until time…
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Flexible cash ISAs
I had a flexible cash ISA with Trading 212 that paid 5.17% interest and is now going down to 4.9%. Plum is offering 5.18% interest cash ISAs BUT the rate is much lower if it’s an ISA transfer. Am I correct in understanding that, because the trading 212 ISA is flexible, I would withdraw all the money in that ISA to a…
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Move H2BISA to LISA?
I have 10k in an H2BISA though am thinking of moving it to a Lisa. I intend to buy a house with my partner that would probably exceed the ‘outside of London’ 250,000 limit that doesn’t exist with the Lisa. The Lisa limit is therefore better for us. We probably won’t be buying within a year to two years, so I would have…
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Life ISA/Nutmeg?
Hi just wondering that I signed up to a nutmeg life ISA Its been sufficient so far but what do others thing who use this service,?
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Does Cynergy Bank act as the middle man?
Hi, I'm considering opening a Cynergy fixed rate ISA. Would this be the type of account which is protected by FSCS because the money is actually kept with other banks who are protected by FSCS? In which case one needs to know so the £85,000 limit isn't exceeded. eg. I already at 70,000 in a high st bank and Synergy…
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New 2025/26 ISA
What is the earliest possible date to open an ISA but hold off actually funding it until 2025/26? Also got two ISAs to transfer into it from 23/24 & 24/25. Any suggestions greatly appreciated.
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Issue transferring in & out with Chip?
Hi, I have £50000 sitting in an ISA with Charter whose rate recently dropped to 4.17% - I've contemplated going with Trading 212 but have read on here of people having issues with withdrawing money/transferring out which puts me off them. Chip looks attractive at the moment rate wise - has anyone had any issues…
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Problem opening an ISA with Shawbrook when I already have one with them
I go to their website and log in and see what accounts are available to open and they're all not ISAs I go to their website not logged in and see ISAs listed. I attempt to start to open one and it asks me to log in whereupon I can't get any further. Is it the case that Shawbrook won't let you open an ISA when you already…
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Shares ISA
Hi my dad died last month and has a Shares ISA (currently with Scottish Widows platform); it was originally set up with Zurich, which then went to Embark and now is with Scottish Widows. I have informed them of the death and they have sent me some forms to complete to either transfer it to another fund or to withdraw it.…
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Hargreaves Lansdown charges
Good morning , I am looking to invest £10,000 in a 1 yr fixed rate cash Isa with Hargreaves Lansdown but am getting confused with their charges when I'm looking online. Is anyone able to explain what their charges are, if any, on a fixed rate cash ISA. I would be so grateful for any help you can give me.
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Reinvesting a Fixed Rate Cash ISA dilemma
I opened a Fixed rate ISA with Bank A on 11/03/2024 and invested the full annual allowance (last financial year). I opened a Fixed rate ISA with Bank B on 03/05/2024 and invested the full annual allowance (this financial year). I have now received a letter from Bank A informing me that my Fixed Rate Cash ISA is due to…
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Using a previous tax year's ISA
Hi all, I have an ISA open for this tax year (2024-2025) which I have contributed the maximum of 20K to. I wish to contribute to this ISA in the next tax year of 2025-2026. Do I have to open a new ISA, or can use this existing ISA to contribute to starting April 2025 (and not going over the 20K limit next year)? Many…
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Borrow money from investment property
If I was to borrow money using the capital of one of my investment properties how would I deal with this as far as future capital gains. Anybody know?
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Self Employed - should I save into an ISA or a SIIP - or both?
I am 47, part time self employed with no work place pension or ISA in place. I do have 2 rental properties. My small income has grown and I will need to start paying tax for the year 24-25 at 20%, and wonder, should I be squirrelling that extra into an ISA or a SIPP? ( and which would be better?), I suppose I am thinking,…
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ISA INTEREST
In 23/24 tax year I deposited £25000 into an ISA account and it made £1400 interest. I transferred the total £26400to another ISA account in December 2024. My question is: Can I still put £20000 into an ISA before this tax year ends, or can I only deposit £18600 because £1400 interest is already classed as a deposit for…
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Cash ISA - Dormant and risk of closure
I have cash ISAs which I am not investing in, as I can only pay into one per tax year. I have read that an account left unused will become dormant. BUT The HMRC website says: "Your ISAs will not close when the tax year finishes. You’ll keep your savings on a tax-free basis for as long as you keep the money in…
